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    • i notice you've sent a reported post stating you have a new PAPLOC from CEL this time NOT DCBL could this new letter of claim be for the org PCN that your hubby got and not the one you got (if they were different PCN numbers??) carefully check the PCN number on the Claimform the court sent you... is it the same as this New CEL PAPLOC? dx  
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    • I've just noted that in Section 4 of the ebay powered by packlink T&Cs, there is a link to a list of webpages for each Transport Agency including Evri. When clicking on this, it redirects to Evri's send terms and conditions, which says: Our contract with you When you send a parcel with us, you enter into a contract with Evri. These terms and conditions set out your responsibilities and our service commitments to you, along with some legal bits about our liability and how you will be compensated in the unlikely event that things go wrong. Link to Evri send T&Cs: https://www.evri.com/terms-and-conditions the extract highlighted in bold above is pertinent as in Evri's own T&Cs, by sending a parcel with Evri, the sender and Evri have entered into a contract. Screenshot of the above extract attached. Screenshot_20240524_030834_Chrome.pdf
    • Hi, Evri provided a copy of the Ebay powered by Packlink T&Cs in their WS/Court bundle - this is already uploaded in post #246 yesterday. I copy and pasted the actual wording of clauses 3b and 3c from there into my post #246. see points 3b and 3c in Section 3 (General) through this link to the T&Cs:  https://support-ebay.packlink.com/hc/en-gb/articles/360004768420-eBay-Delivery-Powered-by-Packlink-Terms-and-Conditions#h_01HFXQJBTB441YZGPB7CQP9KFV Screenshot attached below. I cant answer why its not been picked up before. In my opinion, this is called Ebay powered by packlink T&Cs so it could be intepreted to mean Ebay and Packlink's T&Cs rather than Packlink and the delivery couriers T&Cs. In regards to seeing Evri/Packlink's entire contract in original form, in my WS, Evri has been invited to provide this. They have not provided the contract in their WS/court bundle. Screenshot_20240524_024259_Chrome.pdf
    • yes, and he has since emailed them to say he wants it done with a hearing
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Early Settlement Figure


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Hi All,

 

I took out a graduate loan back in 2008 for £15,000 over 5 years (circa 12% APR) and I am now looking to pay off early.

 

Loan Amount: £15,000

Monthly Payment - £331.00

Term - 60 Months

Amount of interest payable - £4860.00 plus interest for 3 month holiday at start of loan.

Current payment - No. 43

 

Basically, i've contacted Natwest and asked for a settlement figure which they confirmed over the phone to be £5881.00. Now by my calculations thats the whole of the remaining loan amount (including interest) plus a two month penalty? and no rebate?

 

In this case, there seems to be no point in me repaying early and I might aswell continue paying monthly?

 

I just want to confirm that this is correct as seems strange to me...

 

Many thanks for your help.

 

Rob

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Some Natwest loans charge an early redemption penalty of 58 days interest. I bet that is what they have added on.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thanks for your reply - I understand the principle of adding 58 days interest but is there not a statutory reduction of interest under the 2004 regs to cover the fact i'm repaying 18 months early?

 

Thanks

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thanks for this - i've just enter details and it suggests a balance of circa £5164.00 for 43 months however my online banking shows a balance of £5661.00 and my settlement figure is £5881.00....i'm just so confused as settling early would seem to cost me £100's..?

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